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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $104,049 | $93,589+11.2% | $135,942-23.5% | $75,181+38.4% |
| Participation rate | 77.8% | 75.2%+2.6pp | 81.9%-4.1pp | 67.2%+10.6pp |
| Annual return | 15.53% | 30.90%-15.4pp | 68.28%-52.7pp | 160.69%-145.2pp |
| Employer contribution / active EE | $5,113 | $3,537+44.5% | $4,858+5.3% | $2,671+91.5% |
| Participant deferral / active EE | $11,329 | $6,405+76.9% | $7,759+46.0% | $4,126+174.6% |
| Admin fee / account holder | $11,844 | $6,977+69.8% | $10,764+10.0% | $5,650+109.6% |